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1. 发明授权

US08566227B2 Location based credit 有权
标题翻译：基于位置的信用
公开(公告)号：US08566227B2
公开(公告)日：2013-10-22
申请号：US11553507
申请日：2006-10-27
申请人： Chason Carroll , George Coutros , John W. Giesen, Jr. , Dennis H. James, Jr. , Ajay Kumar Jindia
发明人： Chason Carroll , George Coutros , John W. Giesen, Jr. , Dennis H. James, Jr. , Ajay Kumar Jindia
IPC分类号： G06Q40/00
CPC分类号： G06Q20/3224 , G06Q40/02 , G06Q40/025
摘要： A method and system for offering credit to a prospective borrower are provided. A lender first determines a prospective borrower location, which may be a commercial outlet, such as a retail store where goods or services are offered. The lender then references a purchase history associated with the borrower at that particular location. The lender then determines the credit worthiness of the borrower. Based upon location, purchase history, and credit worthiness, the lender may deliver a customized offer of credit to the prospective borrower. The offer of credit may be location based, and may accompany a suggested good or service that is available at the prospective borrower's location.
摘要翻译：提供了向潜在借款人提供信贷的方法和系统。贷款人首先确定一个潜在的借款人位置，这可能是商业渠道，例如提供商品或服务的零售商店。然后贷款人引用与该借款人在该特定地点相关联的购买历史记录。贷款人然后决定借款人的信用价值。根据位置，购买历史和信用价值，贷款人可以向潜在借款人提供定制的信贷提供。提供信贷可能是基于位置的，并且可能伴随着潜在借款人所在地的可用建议的商品或服务。

2. 发明授权

US08589283B2 Method and system for loan application non-acceptance follow-up 有权
标题翻译：贷款申请不接受后续的方法和制度
公开(公告)号：US08589283B2
公开(公告)日：2013-11-19
申请号：US11856785
申请日：2007-09-18
申请人： Raymond Gerber
发明人： Raymond Gerber
IPC分类号： G06Q40/00 , G06Q40/02
CPC分类号： G06Q40/025 , G06Q40/00
摘要： Methods and systems for facilitating post offer communication with a prospective borrower using an on-line lending system (110) are provided. The post offer communication is in response to non-acceptance of an electronic loan offer. The on-line lending system receives an electronic loan application (100) from client terminal (101). The electronic loan application (100) contains applicant credential data, such as personal information (202) and financial information (302). When a loan offer (500) is presented on the client terminal (101), the on-line lending system (110) waits a predetermined time for an electronic signal indicating acceptance of the loan offer (500). When such electronic signal is not received within the predetermined time, a pending loan offer application (800) is transmitted to a call center terminal (1414). Upon receipt of the pending loan offer application (800), the call center terminal (1414) presents an electronically generated prompt (1415) for electronically generated prompt (1415) a customer service representative to initiate communication with the prospective borrower.
摘要翻译：提供了使用在线借贷系统（110）促进与潜在借款人进行后期交流的方法和系统。招聘信函是为了不接受电子贷款报价。在线借贷系统从客户终端（101）接收电子贷款申请（100）。电子贷款申请（100）包含申请者凭证数据，例如个人信息（202）和财务信息（302）。当在客户终端（101）上呈现贷款报价（500）时，在线借出系统（110）等待预定时间获得指示接受贷款报价（500）的电子信号。当在预定时间内没有接收到这样的电子信号时，向呼叫中心终端（1414）发送待决贷款申请（800）。在接收到未决贷款申请（800）之后，呼叫中心终端（1414）呈现电子产生的提示（1415），用于电子地生成提示（1415）客户服务代表以发起与潜在借款人的通信。

3. 再颁专利

USRE46347E1 System and method for providing financial instruments to customers of a service provider 有权
公开(公告)号：USRE46347E1
公开(公告)日：2017-03-21
申请号：US12709956
申请日：2010-02-22
申请人： Kathryn Petralia , Robert J. Frohwein , Chuck Kyriacos Papageorgiou
发明人： Kathryn Petralia , Robert J. Frohwein , Chuck Kyriacos Papageorgiou
IPC分类号： G06K5/00 , G06Q40/02
CPC分类号： G06Q40/02 , G06Q40/025
摘要： Methods A system and method for providing financial instruments to customers and applicants of a service provider are disclosed. One method, among others, includes providing a device such as a mobile telephone to a user, and providing the user with a contactless card having a financial account identifier that is associated with a financial account.

4. 发明授权

US08781951B2 Method and system for providing financing 有权
标题翻译：提供融资的方法和制度
公开(公告)号：US08781951B2
公开(公告)日：2014-07-15
申请号：US11615549
申请日：2006-12-22
申请人： Mark K. Lewis , Ricky Loftsgard , Kasra Naderi , Richard C. Potter
发明人： Mark K. Lewis , Ricky Loftsgard , Kasra Naderi , Richard C. Potter
IPC分类号： G06Q40/00
CPC分类号： G06Q40/025 , G06Q40/02
摘要： Methods for financing dealer debt instruments for customers of a dealer are disclosed. One method, among others, an underwriter system that finances a dealer debt instrument based upon at least one of customer information, product information, and transaction information for the dealer debt instrument. The underwriter system may calculate an initial purchase offer, and then adjust the initial purchase offer based at least upon at least one of product information and transaction information. In some situations, the underwriter system may provide a dealer with multiple purchase offers for one debt instrument.
摘要翻译：披露经销商客户贷款融资方式。一种方法，其中包括一种承销商系统，其基于交易者债务工具的客户信息，产品信息和交易信息中的至少一个为经销商债务工具提供资金。承销商系统可以计算初始购买报价，然后至少基于产品信息和交易信息中的至少一个来调整初始购买报价。在某些情况下，承销商系统可能为经销商提供一个债务工具的多个购买要约。

5. 发明授权

US08631116B2 System and method for active business configured website monitoring 有权
标题翻译：主动业务配置网站监控的系统和方法
公开(公告)号：US08631116B2
公开(公告)日：2014-01-14
申请号：US11946715
申请日：2007-11-28
申请人： John A. Wunderlich
发明人： John A. Wunderlich
IPC分类号： G06F15/173
CPC分类号： G06F17/3089 , G06Q30/02
摘要： The website performance monitoring systems and methods of the present invention are implemented via a website monitoring tool that includes a website canvas and a plurality of web page objects configured to be dragged and dropped onto the generic website canvas to facilitate creation of a website model. The monitoring tool also includes a graphic interface which may be utilized to define and associate performance operational rules of a website being modified or created. The performance operational rules include website performance thresholds and rules associated with alerts which may be delivered in response to a website achieving or falling below defined performance alert levels. The monitoring tool also includes a pixel module which may be engaged to assign a plurality of attributes to a pixel associated with a page within the website model. The graphic interface of the monitoring tool also includes a plurality of web page objects that are configured to be selected, dragged and dropped onto the generic website canvas to facilitate creation of a website model that illustrates the process flow of pages within the website model.
摘要翻译：本发明的网站性能监视系统和方法通过网站监控工具实现，网站监控工具包括网站画布和被配置为拖放到通用网站画布上以便于创建网站模型的多个网页对象。监视工具还包括图形界面，其可以用于定义和关联正被修改或创建的网站的性能操作规则。性能操作规则包括网站性能阈值和与警报相关联的规则，其可以响应于实现或低于定义的性能警报级别的网站来传送。监视工具还包括可以被接合以将多个属性分配给与网站模型内的页面相关联的像素的像素模块。监视工具的图形界面还包括被配置为被选择，拖放到通用网站画布上的多个网页对象，以便于创建一个网站模型，该网站模型说明了网站模型内的页面的流程。

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